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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $20,782 | $54,541-61.9% | $78,778-73.6% | $70,126-70.4% |
| Participation rate | 66.7% | 60.8%+5.9pp | 69.2%-2.5pp | 69.5%-2.9pp |
| Annual return | 25.52% | 21.07%+4.4pp | 35.62%-10.1pp | 73.15%-47.6pp |
| Employer contribution / active EE | $1,528 | $1,089+40.4% | $1,986-23.0% | $2,343-34.8% |
| Participant deferral / active EE | $2,834 | $2,210+28.2% | $2,958-4.2% | $3,332-14.9% |
| Admin fee / account holder | $657 | $3,709-82.3% | $5,134-87.2% | $4,645-85.9% |